Term Life Insurance
For expats and families living in Hong Kong, Term Life Insurance offers a straightforward and affordable way to protect against the unexpected. It provides a guaranteed lump-sum payout if the insured person passes away or suffers permanent disability within the policy term — giving financial stability when it’s needed most and helping loved ones maintain their standard of living during difficult times.
At Expat Insurance Hong Kong, we help you choose a plan that matches your life stage, family commitments, and budget, with options for joint coverage, riders, and flexible benefit levels. Whether you’re protecting your home, children’s education, or long-term financial goals, we’ll make sure you’re covered with confidence, clarity, and peace of mind — today and for the future.
Why Work With Expat Insurance?
Expert Guidance. Transparent Advice.
Choosing the right life insurance can be confusing — especially when comparing policies from different countries and providers. That’s where we make it simple.
We identify your needs.
We take time to understand your financial obligations, goals, and dependants.
We compare top insurers.
We source options from leading international and local life insurers for best value.
We simplify the process.
We handle applications, medical requirements, and renewals for you.
We stay with you for life.
As your circumstances change, we help you adjust or upgrade your policy accordingly.
Why Choose Term Life Insurance?
Unlike complex investment-linked products, Term Life Insurance is simple and cost-effective. It’s pure protection — no savings components, no hidden charges, just guaranteed coverage for a set period of time.
For expats, this means you can secure high-value protection at a lower cost, providing peace of mind for your family wherever life takes you.
What can Term Life Insurance Include?
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Guaranteed Lump-Sum Payout – for death during the policy term
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Permanent Disability Benefit – financial support if you can no longer work
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Optional Critical Illness Rider – early payout upon diagnosis of serious illness
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Flexible Coverage Periods – from 5 to 30 years, renewable at term end
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Worldwide Protection – you’re covered wherever you live or travel
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Level Premiums – fixed premiums for the duration of your policy which do not increase
Possible Pitfalls We Help You Avoid
Underestimating coverage: Many people select too little protection. We calculate the right sum assured for your family’s future needs.
Overpaying for extras: Some policies include unnecessary riders. We help you trim costs without losing coverage.
Limited duration: Plans that expire too soon can leave you exposed. We ensure your coverage lasts as long as your commitments do.
Complex exclusions: We review all policy terms to make sure your benefits are guaranteed and transparent.
At Expat Insurance, we believe peace of mind shouldn’t be complicated. With trusted advice, global reach, and years of experience, we’ll help you protect what truly matters — your family, your future, and your legacy.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group
Flexible group plans can help promote well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Provides financial security and peace of mind for your family, helping them stay stable and avoid added stress if the unexpected occurs.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These are not uncommon occurrences — they happen daily in Hong Kong, where just one hospital stay, accident, or sudden illness can rapidly turn into a financial crisis. The difference between being protected and being exposed often comes down to a single factor: having the right insurance policy in place.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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